Services Offered

The starting point of our service is the creation of your investment plan & financial plan, which is the roadmap for future decision making. However, as life happens, financial markets do what they do and tax legislation changes, your financial plan will inevitably evolve. We're there to be your trusted partner to help you make the necessary decisions and plan changes along the way

After discussion of your initial plan, we'll work closely with you throughout our relationship. Typical next steps and areas in which we provide ongoing advice are:

  • Transferring and/or consolidating investment accounts

  • Reallocating investment portfolios

  • Setting up and implementing a portfolio distribution plan (Send you a paycheck)

  • Doing annual income and tax projections that include analysis and implementation of strategies such as:

    • Roth conversions

    • Minimizing Medicare Income Related Monthly Adjustment Amounts ("IRMAA")

    • Tax loss or gain harvesting

    • Charitable giving and gifting

    • Required Minimum Distribution Management

  • Establishing when to claim Social Security

  • Selecting pension payment types

  • Determining if annuities can be beneficial for your plan

  • Assessing life and long-term care insurance needs

  • Helping with the financial and tax aspects of buying and selling real estate

  • Analyzing whether to pay off or refinance an existing mortgage

  • Analyzing whether a reverse mortgage may be of benefit to you

  • Assisting in updating or putting in place estate documents and beneficiary forms

Who is our Ideal Client?

Our firm is best for someone within a few years of retirement who's looking for a trusted partner to help with ongoing financial, tax and investment decisions throughout the distribution stage of their life. We generally only work with people who are in or near traditional retirement...

Our typical client profile:

  • 50 or older

  • Nice People!!!

  • Single, Widowed or Married

  • Same-Sex Couples

  • Children, if any, are independent young adults or adults

  • Retired or within five years of retiring

  • Will have Social Security and maybe a pension

  • Owns a home & maybe some rental properties

  • Has investable assets between $1,000,000 to $5,000,000

We can take other clients that do not fill this mold on a case-by-case basis. We have found we also work well with some Nurses, Doctors & High Earning Real Estate Agents.

Generally clients above $5,000,000 investable assets have more complexity and need even more customized support. We can manage some of these relationships on a higher flat fee basis if there is a fit.

We are not a fit for engineers or people that call their financial advisor almost every day because the markets went down. We are not the advisor for someone that works at a Tech Company and a large portion of their net worth is in company stock.

We are honest & upfront if we are not the right fit for a client, we are selective about who we will work with. We want to enjoy our client relationships and vice versa.